JP2005276012A - International fund settlement system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an internal fund settlement system of high convenience for a customer performing fund transaction involving a plurality of overseas branches. <P>SOLUTION: This international fund settlement system comprises a first account system (Taipei branch account system), a second account system (London branch account system) and a settlement server. The settlement server comprises an emulator 1 for operating the first account system on a self-system, and an emulator 2 for operating the second account system on the self-system. The settlement server 2 operates the first account system by the emulator 1 to withdraw the transferred money from a first deposit account (account of Y company), and operates the second account system by the emulator 2 to credit the transferred money to a second deposit account (account of Z company). Thus the money transfer can be realized from the first deposit account to the second deposit account. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an international fund settlement system that operates a plurality of accounting systems.

The accounting system of each overseas branch employs a different type of accounting system depending on the local situation, unlike the accounting system of the same bank branch in the country being integrated into a single system. For this reason, a customer (an international corporate group that owns Y and Z companies) who has deposit accounts at multiple overseas branches of the same bank can move from one overseas branch (Taipei branch) to another overseas branch (London branch). In the conventional international funds settlement system, the following processing was performed when transferring funds to the deposit account. That is, as shown in FIG. 3, the customer's headquarters X transmits an instruction to transfer funds from the Y company account to the Z company account to the Taipei branch via a GCMS (Global Cash Management Service) server. In accordance with the instructions for transferring funds, the Taipei branch processes the transfer amount from the Y company account of the branch on the Taipei branch account system, and then pays the London branch via the SWIFT (Society for Worldwide Interbank Financial Telecommunication) network. (Payment order). The London branch processes the transfer amount to the Z company account of the branch on the London branch account system according to the payment instruction, and notifies the GCMS server that the transfer process is completed.
JP 2000-48095 A JP 2002-288439 A

  In the above-mentioned conventional international fund settlement system, a plurality of funds transfer instructions are executed in accordance with a specified order or time series, because it is not possible to accept an exact payment completion point specification at the destination branch through the SWIFT network. There was a problem that it was not convenient for customers, such as not being able to accept package instructions.

  The present invention has been made in view of the above problems, and an object of the present invention is to provide an international fund settlement system that is highly convenient for customers who conduct a fund transaction involving a plurality of overseas branches.

  An international fund settlement system according to the present invention includes a first account system, a second account system, and a settlement server that is connected to the first account system and the second account system via a network. The settlement server executes first emulation means for executing software for operating the first account system on its own system and second software for executing software for operating the second account system on its own system. Refer to the balance of the first deposit account managed by the first account system using the emulation means and the first emulation means, and manage by the second account system using the second emulation means Reference means for referring to the balance of the second deposit account, and the first deposit account based on any balance acquired by the reference means And a transaction determination means for determining whether or not a fund transfer transaction is possible between the second deposit account and the first emulation means according to a determination result of the transaction determination means, the first account system on the first account system A process of withdrawing funds from the first deposit account or a process of depositing funds into the first deposit account is executed, and the funds are transferred from the second deposit account on the second account system using the second emulation means. Transaction execution means for executing a process of withdrawing or a process of depositing funds into the second deposit account.

  According to the system configuration of the present invention, the entire international funds settlement system including different types of billing systems operates as a single system. In addition, since it is not necessary to develop each account system so that multiple account systems are compatible within the international fund settlement system, it is possible to construct an international fund settlement system at a low cost within a short period of time. it can. In this specification, the “account system” is defined as a computer system that performs transaction processing and account processing at an overseas base of a bank. In addition, the “supervision fund account” is an account of a group supervision company that centrally manages financial finance activities within a group in a corporate group, collects surplus funds in the account of the group company (subordinate account) and collects other funds It is defined as a deposit account to replenish funds that are lacking in an account of a group company (subordinate account).

  In the international fund settlement system of the present invention, all the accounting systems included in the system are executed by the same kind of software, and all the accounting systems are executed on the settlement server by a single emulation means. That is, the first emulation means and the second emulation means are also included in the same emulator. Even in this form, it is possible to operate an international funds settlement system including a plurality of accounting systems that are independently constructed and cannot be synchronized with each other like a single system. There is a significant meaning.

  The international fund settlement system of the present invention further comprises an input unit for inputting an instruction of a fund transfer transaction between the first deposit account and the second deposit account to the settlement server, and the transaction determination unit includes the fund transfer transaction It is preferable that the transaction execution unit executes the fund transfer transaction when it is determined whether the transaction is possible and the transaction determination unit determines that the transaction is possible. The international fund settlement system of the present invention further comprises a customer server that is accessible from a customer and is connected to the settlement server via the network, the customer server comprising the input means, The contents of the instruction for the funds transfer transaction include the timing at which each of the withdrawal process and the deposit process in the fund transfer transaction is executed. The transaction determination process and the withdrawal process by the transaction determination unit, and the deposit process are performed as described above. It is preferable that the payment server notifies the customer server of the fact that the withdrawal process and the deposit process have been executed after the deposit process is executed at each timing. With these configurations, since the customer can specify the content and timing of the transaction, convenience for the customer is further enhanced.

  In the international fund settlement system according to the present invention, the first deposit account is a general fund account, the second deposit account is a subordinate account of the general fund account, and the reference means has the first account at a designated timing. The balance between the first deposit account and the second deposit account is referred to, and the settlement server sets the balance of the second deposit account to the designated target balance. A transaction determining means for determining a fund transfer transaction, wherein the transaction determining means determines whether the money transfer transaction determined by the transaction determining means is possible, and the transaction determining means determines that the transaction is possible; It is preferable that the execution means execute the fund transfer transaction. With this configuration, a zero balance settlement system is realized.

  The international fund settlement system of the present invention further includes another account system in addition to the first account system and the second account system, wherein there are a plurality of subordinate accounts, and the subordinate accounts are different. It is preferably managed by an accounting system, and the transaction determination means determines a funds transfer transaction between each subordinate account and the first deposit account so that each subordinate account has a target balance. is there. In the international fund settlement system of the present invention, it is preferable that a target balance is designated for each subordinate account. Furthermore, the international funds settlement system of the present invention is constituted by a reference process by the reference means, a transaction determination process by the transaction determination means, a transaction determination process by the transaction determination means, and a withdrawal process or a deposit process by the transaction execution means. It is preferable that the timing at which a series of processes is executed is designated for each subordinate account. With these configurations, in the balance settlement system, the customer can specify the target balance and the timing at which the transaction is executed for each overseas base, which further increases convenience for the customer.

  The international fund settlement system of the present invention further includes a customer server that is accessible from a customer and is connected to the settlement server via the network, wherein the settlement server includes a result of the reference process by the reference means and Recording means for recording balances of the first deposit account and the second deposit account in a database according to transaction execution processing by the transaction execution means, and the database is transmitted from the settlement server to the customer server; Is preferred. With this configuration, since the customer can refer to the result of the transaction in the zero balance settlement system, convenience for the customer is further enhanced.

  The international fund settlement system of the present invention makes it possible to perform international fund settlement in the same way as domestic transfer within the same bank. As a result, a convenient international fund settlement service can be provided to customers at a low fee.

  By applying the present invention to the zero balance system and managing the funds of the international company group collectively, the consolidated funds can be efficiently operated.

  Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

(Fund settlement system)
FIG. 1 is a diagram illustrating an outline of an embodiment of a fund settlement system. In this embodiment, the fund settlement system transfers money from the Y company account to the Z company account in accordance with the settlement instructions of the customer who is an international corporate group having the headquarters X, Taipei branch (Company Y) and London branch (Company Z). Execute. The fund settlement system includes a GCMS (Global Cash Management Service) server, a general-purpose fund settlement server, a Taipei branch account system, and a London branch account system.

  The GCMS server is a server that a customer can access via a network. After logging in to the GCMS server, the customer can instruct funds settlement through the GCMS server, and can refer to account balances of branches, subsidiaries and affiliated companies managed by the fund settlement system.

  The Taipei branch account system that manages the Y company account and the London branch account system that manages the Z company account are executed by different incompatible software.

  The general-purpose fund settlement server includes an emulator 1 that operates the Taipei branch account system on its own system. The emulator 1 can cause the general-purpose fund settlement server to function as a terminal of the Taipei branch account system. The general-purpose fund settlement server includes an emulator 2 that operates the London branch account system on its own system, and the emulator 2 can function the general-purpose fund settlement server as a terminal of the London branch account system. The general-purpose fund settlement server is connected to the Taipei branch account system, the London branch, and the GCMS server via a bank network.

A procedure for executing remittance processing from the Y company account to the Z company account by the general-purpose fund settlement system will be described. First, the customer logs in to the GCMS server, opens a settlement instruction screen, and inputs each instruction item. The instruction items include the following items.
(1) Payment base-payment account number (2) Receiving base-receipt account number (3) Currency (4) Amount (5) Payment account summary information (6) Receiving account summary information (7) Payment account-processing designation Date and time (8) Receiving account-Processing specified date and time (9) Payment account processing impossible-Processing instruction information (10) Receiving account processing impossible-Processing instruction information (11) Settlement group number ( Number for packaging and processing)
(12) Conditions for executing a payment instruction (e.g. “if this balance is exceeded”, “if this deposit process is performed”)

  The general-purpose fund settlement server receives the above settlement instruction from the GCMS server and executes it. FIG. 2 is a flowchart for explaining a procedure for the general-purpose fund settlement system to execute a remittance process. With reference to FIG. 2, the procedure of a remittance process is demonstrated.

  The general-purpose fund settlement server activates the emulator 1 at the payment account-processing designation date and time (S201), and logs in to the Taipei branch account system (S203). At this time, if the Taipei branch account system is not in operation, the user logs in again or notifies the GCMS server that the transaction is not possible and ends the remittance processing.

  After logging in, the general-purpose fund settlement server (referencing means) operates the Taipei branch account system using the emulator 1 to refer to the balance of the Y company account (S207).

  The general-purpose fund settlement server (transaction determination means) determines whether or not remittance processing is possible by confirming whether there is a remittance source in the Y company account (S209). When there are not enough funds for remittance remaining, the GCMS server is notified that the instructed settlement cannot be executed due to a shortage of balance (S225), and the remittance processing is terminated.

  If sufficient funds for remittance remain, the general-purpose fund settlement server (transaction execution means) executes a process for withdrawing the remittance amount from the Y company account (S211).

  The general-purpose fund settlement server activates the emulator 2 at the receiving account-processing designation date and time (S213) and logs in to the London branch account system (S215). If the London branch account system is not in operation at this time, log in again or cancel the withdrawal process for the Y company account, notify the GCMS server that the transaction is not possible, and terminate the remittance process. To do.

  After logging in, the general-purpose fund settlement server operates the London branch account system by means of the emulator 2, refers to the balance of the Z company account (S219), and executes a process of depositing remittance funds to the Z company account (S221). .

  The general-purpose fund settlement server transmits data to the GCMS server, the transaction history and the balance after execution of the withdrawal process in the Y company account balance column of the GCMS server database, and the transaction history and deposit process execution in the Z company account balance column. The balance is recorded (S223). Thereafter, the customer can access the GCMS server and confirm the transaction result.

  According to the present embodiment, the withdrawal process and the deposit process can be executed simultaneously. It is also conceivable to process a plurality of funds transfer instructions as a package. Specifically, it is possible to accept a condition designation including the execution order and execution date and time of a plurality of funds transfer processes.

(Zero balance system)
FIG. 4 is a diagram illustrating an outline of a system configuration in the embodiment of the zero balance system. FIG. 5 is a diagram illustrating an outline of processing in the embodiment of the zero balance system.

  The zero balance system includes a Hong Kong branch account system, an Indonesia branch account system, a Bangkok branch account system, a Singapore branch account system, a general-purpose fund settlement server, a cellobalance server, and a GCMS (Global Cash Management Service) server. Each server and the accounting system are connected to a general-purpose fund settlement server via a bank network.

  The Hong Kong branch account system manages the financial headquarters account of the customer (Company X), an international company group. Customer X uses the zero balance system to concentrate the consolidated funds of the group companies (Company A, Company B, Company C) on the financial management base account. The Singapore branch account system, the Bangkok branch account system, and the Indonesia branch account system are the bank accounts of the customer's Singapore branch (Company A), Bangkok branch (Company B), and Indonesia branch (Company C), respectively. Manage settlement accounts). The Hong Kong branch account system is the first account system, the Bangkok branch account system is the second account system, the Singapore branch account system is the third account system, and the Indonesia branch account system is the fourth account system. Is adopted. The first to fourth accounting systems may be executed by the same kind of software as that of the one accounting system or may be executed by different kinds of software.

  The GCMS server is a server that a customer can access via a network. The customer can register the execution conditions (execution date and time, target balance, etc.) of the zero balance transaction in the zero balance server via the GCMS server. In addition, the customer can inquire about the balance of the financial balance office account and the result of the zero balance transaction via the GCMS server.

  The general-purpose fund settlement server includes a first emulator that operates a Hong Kong branch account system on its own system, and the first emulator can cause the general-purpose fund settlement server to function as a terminal of the Hong Kong branch account system. The general-purpose fund settlement server includes a second emulator that operates the Bangkok branch billing system on its own system, and the second emulator allows the general-purpose fund settlement server to function as a terminal of the Bangkok branch billing system. The general-purpose fund settlement server includes a third emulator that operates the Singapore branch account system on its own system, and the third emulator can cause the general-purpose fund settlement server to function as a terminal of the Singapore branch account system. The general-purpose fund settlement server includes a fourth emulator for operating the Indonesia branch account system on its own system, and the fourth emulator can function the general-purpose fund settlement server as a terminal of the Indonesia branch account system. The general-purpose fund settlement server includes a reference unit and a transaction execution unit similar to the general-purpose fund settlement server in the embodiment of the fund settlement system.

  The zero balance server includes transaction determining means, and determines a fund transfer transaction between the financial management base account and each target account such that the balance of each target account becomes the target balance (target balance). Further, the zero balance server includes a transaction determination unit similar to the general-purpose fund settlement server in the embodiment of the fund settlement system. The zero balance server and the general-purpose fund settlement server function as a settlement server that cooperates to transfer funds between account systems.

  In this embodiment, it is assumed that the target balance is zero. Each branch office uses a settlement account to settle its transactions. Each branch office transfers the funds that are consolidated and operated from the settlement group to the target account, and transfers the funds necessary for the company's transaction or operation from the target account to the settlement account.

  FIG. 7 is a first flowchart illustrating a procedure in which the zero balance system executes zero balance settlement. FIG. 8 is a second flowchart for explaining a procedure for the zero balance system to execute zero balance settlement. With reference to FIGS. 7 and 8, the processing procedure of zero balance settlement will be described.

  The general-purpose fund settlement server and the zero balance server (reference means) start the first emulator (S701), log in to the Hong Kong branch account system, execute the operation to inquire the balance of the financial headquarters account, and acquire it The balance is recorded in the database (S703). FIG. 6 shows a database stored in the storage device of the zero balance server. The zero balance server records the balance of the financial management base account acquired by the inquiry operation in the balance column before collection and distribution of the database.

  The general-purpose fund settlement server and the zero balance server (referencing means) sequentially activate the second emulation means, the third emulation means, and the fourth emulation means, to the B company target account, the A company target account, and the C company target account. However, the same processing as that for the financial management base account is performed (S704 to 711).

  The zero balance server (transaction deciding means) decides a fund transfer transaction between the financial management base account and each target account for making the balance of each target account zero (S713). In the example of FIG. 6, remittance of $ 50 million from Company A's target account to the financial headquarters account, $ 20 million from Company B's target account to the financial headquarters account, and $ 40 million from the headquarters account to the target company's C account. Is done.

  When the zero balance server (transaction judging means) executes each remittance process (S715 to 721), if the remittance process is a remittance from the financial management base account to the target account, a sufficient remittance to the financial control base account Check if there are resources. If there are not sufficient funds for remittance, the general-purpose fund settlement server and the zero balance server cancel the remittance process that has already been executed, and perform a process of restoring the financial headquarters account and each target account to the original state (S729). The customer is notified through the server that the zero balance transaction has failed (S727).

  The remittance process is executed in the same manner as the process described in the embodiment of the fund settlement system, and the balance change of the financial management base account and each target account is recorded in the amount of money collected and distributed in the database. The balance of each target account is recorded in the balance column after collection and distribution (operation of transaction execution means).

  The database is transmitted from the zero balance server to the GCMS server (S725) and notified from the GCMS server to the customer via the network (S727), or the customer accesses the GCMS server and queries the transaction result.

  The above embodiment is based on the premise that zero balance transactions are performed all at once. When performing such simultaneous processing, the order in which the calculation units of the general-purpose fund settlement server and the zero balance server execute each remittance process is determined by the general-purpose fund settlement server and the zero balance server. On the other hand, a form in which the customer designates the timing when the zero balance transaction for each target account is executed via the GCMS server is also conceivable.

  The present invention is applicable to an international fund settlement system.

FIG. 1 is a diagram illustrating an outline of an embodiment of a fund settlement system. FIG. 2 is a flowchart for explaining a procedure for the general-purpose fund settlement system to execute a remittance process. FIG. 3 is a diagram for explaining a conventional fund settlement system. FIG. 4 is a diagram illustrating an outline of a system configuration in the embodiment of the zero balance system. FIG. 5 is a diagram illustrating an outline of processing in the embodiment of the zero balance system. FIG. 6 shows a database stored in the storage device of the zero balance server. FIG. 7 is a first flowchart illustrating a procedure in which the zero balance system executes zero balance settlement. FIG. 8 is a second flowchart for explaining a procedure for the zero balance system to execute zero balance settlement.

Claims (9)

A first account system;
A second account system;
A settlement server communicatively connected to the first account system and the second account system via a network,
The payment server
First emulation means for executing software for operating the first billing system on its own system;
Second emulation means for executing software for operating the second billing system on its own system;
The first emulation means is used to refer to the balance of the first deposit account managed by the first account system, and the second deposit account managed by the second account system using the second emulation means. Means for referring to the balance of
Transaction determination means for determining whether or not a fund transfer transaction is possible between the first deposit account and the second deposit account based on any balance acquired by the reference means;
In accordance with the determination result of the transaction determination means, using the first emulation means, a process of withdrawing funds from the first deposit account on the first account system or a process of depositing funds into the first deposit account And a transaction executing means for executing a process of withdrawing funds from the second deposit account on the second account system or a process of depositing funds into the second deposit account using the second emulation means. An international fund settlement system characterized by this. An input means for inputting an instruction of a funds transfer transaction between the first deposit account and the second deposit account to the settlement server;
The transaction determination means determines whether the fund transfer transaction is possible,
The international fund settlement system according to claim 1, wherein, when the transaction determination unit determines that the transaction is possible, the transaction execution unit executes the fund transfer transaction. A customer server that is accessible from the customer and that is communicatively connected to the payment server via the network;
The customer server comprises the input means;
The contents of the instruction of the funds transfer transaction include the timing at which each of the withdrawal process and the deposit process in the fund transfer transaction is executed,
The transaction determination process and the withdrawal process by the transaction determination unit, and the deposit process are executed at each timing,
The international fund settlement system according to claim 2, wherein after the deposit process is executed, the settlement server notifies the customer server of the fact that the withdrawal process and the deposit process are performed. The first deposit account is a general fund account, and the second deposit account is a subordinate account of the general fund account;
At the designated timing, the reference means refers to the balance of the first deposit account and the second deposit account,
The settlement server further comprises transaction determining means for determining a funds transfer transaction between the first deposit account and the second deposit account to make the balance of the second deposit account a specified target balance,
The transaction determination means determines whether or not the money transfer transaction determined by the transaction determination means;
The international fund settlement system according to claim 1, wherein, when the transaction determination unit determines that the transaction is possible, the transaction execution unit executes the fund transfer transaction. In addition to the first account system and the second account system, another account system is further provided,
There are a plurality of subordinate accounts,
The subordinate accounts are managed by different account systems,
The international transaction according to claim 4, wherein the transaction determining means determines a money transfer transaction between each subordinate account and the first deposit account so that each subordinate account has a target balance. Fund settlement system. 6. The international fund settlement system according to claim 5, wherein a target balance is designated for each of said subordinate accounts. The timing at which a series of processes constituted by a reference process by the reference means, a transaction determination process by the transaction determination means, a transaction determination process by the transaction determination means, and a withdrawal process or a deposit process by the transaction execution means is executed. 6. The international fund settlement system according to claim 5, which is designated for each account. A customer server that is accessible from the customer and that is communicatively connected to the payment server via the network;
The settlement server further comprises recording means for recording the balance of the first deposit account and the second deposit account in a database according to the result of the reference process by the reference means and the transaction execution process by the transaction execution means;
The international fund settlement system according to claim 5, wherein the database is transmitted from the settlement server to the customer server. The international fund settlement system according to claim 1, wherein the first emulation means and the second emulation means are the same emulator.

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